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Home Loan : Eligibility Criteria

A GROSS MARGIN IS CALCULATED ON TURNOVER IN A YEAR IS TREATED AS PROFIT.65% OF THAT PROFIT & IS DIVIDED BY 12 GIVES US  MONTHLY  INCOME WHICH CAN BE PAYABLE  FOR EMI.

WE CONSIDER NET PROFIT OF FIRMS .I.E
FOR PROPREITORSHIP, NET PROFIT ADD 100% DEPRECIATION ,
FOR PARTNERSHIP,NET PROFIT ADD 100%DEPRECIATION ADD PARTNERS SALARY ADD INTEREST ON CAPITAL
FOR PRIVATE LIMITED, NET PROFIT ADD 100%DEPRECIATION ADD DIRECTOR SALARY ADD INTEREST ON CAPITAL

70% OF THE ABOVE TOTAL IS TREATED AS PROFIT & IS DIVIDED BY 12 GIVES US  MONTHLY  INCOME WHICH CAN BE PAYABLE FOR EMI .

70% OF GROSS SALARY IS TREATED AS MONTHLY INCOME WHICH CAN BE GIVEN FOR EMI .

ATLEAST 2 YEARS CONTINUITY IS REQUIRED IN BUSINESS.

70% OF RENT RECEIVED PER MONTH IS TREATED AS MONTHLY INCOME WHICH CAN BE  PAYABLE FOR EMI.

IN ALL ABOVE PROGAMS ,
IF LOANS ARE RUNNING,THEN EMI OF THAT LOANS ARE DEDUCTED FROM MONTHLY INCOME & WE GET THE AMOUNT WHICH CAN BE PAID FOR EMI.AFTER THAT WE DIVIDE THAT AMOUNT FROM PER LAC EMI  GIVES US THE LOAN AMOUNT .I.E

MONTHLY INCOME –ALREADY RUNNING MONTHLY EMI=EMI PAYABLE

THEN EMI PAYABLE/ PER LAC EMI=LOAN AMOUNT
(EMI IS ESTIMATED MONTHLY INSTALLMENT )

 
EMI Calculator
 
 
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